Real-Time Card for RTP® and FedNow® Transactions with Hosted Payments and QBO Integration

Real-Time Payments Parameters, Attributes, Benefits & Features

Real-Time Card System Parameters

Detailed Features

1. Virtual Real-Time Card Powered by RTP® and FedNow®

Issue credentials tied to payment rails—not card schemes. Customers pay in real time, and merchants receive Good Funds without delays or processor fees.

2. Hosted Request for Payment (RfP™) with Mobile-Optimized Pages

Every transaction is initiated via an RfP™ sent through email, text, or QR code—landing on a secure payment page branded to the merchant.

3. Batch File Upload with ISO 20022 Format Compatibility

Upload .XML, .JSON, or Excel files to initiate multiple RfP™ payment requests at once. Automate your billing or payout pipeline.

4. Instant QBO Reconciliation with Every Transaction

Every FedNow® or RTP® payment is matched with an open invoice or ledger entry in QuickBooks® QBO, providing real-time AR management.

5. Works Across POS, MOTO, and Ecommerce Environments

Merchants can accept real-time payments anywhere they do business—whether on the web, in-store, or over the phone.

6. Alias-Based MID for Flexible Merchant Routing

Assign payments by location, department, or staff member using alias-driven Merchant IDs tied to digital credentials.

Ask us How:

• The Real-Time Card is a revolutionary digital payment solution that enables RTP® and FedNow® settlement through hosted payment pages and RfP™ links—perfect for instant B2B and C2B transactions.
• Businesses using TodayPayments.com can schedule payments via batch upload, deliver RfPs through SMS or QR codes, and receive Good Funds with finality—eliminating ACH returns and credit card chargebacks.
• With QuickBooks® QBO integration, all incoming transactions are instantly reconciled and tracked, giving merchants full financial control and reporting clarity.
• Unlike traditional debit or credit cards, the Real-Time Card offers irreversible settlement over government-supported payment rails—without interchange fees or legacy network limitations.
• Each hosted landing page used in the Real-Time Card flow is mobile-ready, PCI-compliant, and optimized for high conversion—making payment collection fast, secure, and seamless.

Why Businesses Choose TodayPayments.com for Real-Time Payments

1. ✅ Launch Real-Time Card credentials powered by RTP® & FedNow®
2. ✅ Deliver RfP™ via mobile, email, or QR code to hosted landing pages
3. ✅ Upload ISO 20022 batch files for recurring or one-time payments
4. ✅ Receive irrevocable Good Funds in seconds—24/7/365
5. ✅ No chargebacks, no interchange fees, no settlement delays
6. ✅ Integrate with QuickBooks® QBO for instant AR sync
7. ✅ Assign alias-based MIDs for department-level visibility
8. ✅ Accept payments across POS, ecommerce, and mobile environments
9. ✅ Simplify compliance with ISO 20022 and PCI-DSS architecture
10. ✅ Get started without hardware or a bank visit—apply online

Integrating Real-Time Card POS (Point of Sale) systems offers significant benefits for merchants and payees. Here's how merchants and payees can benefit from using Real-Time Card POS with the integration through SecureQBPlugin.com and QuickBooks Online (QBO) and QuickBooks Enterprise.

Benefits and Features for Merchants/Payees

1. Instant Payment Processing

• Immediate Fund Availability: Payments are processed in real-time, ensuring that funds are immediately available for the merchant, improving cash flow.
• Reduced Wait Times: Eliminates the delay associated with traditional card processing methods, where funds might take several days to clear.

2. Enhanced Security

• Data Encryption: Ensures that all transactions are encrypted, reducing the risk of fraud and protecting sensitive card information.
• Compliance with Regulations: Adheres to industry standards and regulations, providing an added layer of security and trust.

3. Improved Customer Experience

• Fast Transactions: Customers benefit from quick and efficient payment processing, reducing wait times at checkout.
• Convenient Payment Options: Supports multiple card types and contactless payments, offering greater convenience to customers.

4. Financial Management and Reconciliation

• Automatic Reconciliation: Integrates seamlessly with QuickBooks Online and QuickBooks Enterprise, allowing for automatic reconciliation of transactions, reducing manual errors.
• Real-Time Cash Flow Management: Provides up-to-date information on cash flow, aiding in better financial planning and decision-making.

5. Cost Savings

• Lower Transaction Fees: Potentially lower fees compared to traditional credit card processing, as real-time transactions can reduce intermediary costs.
• Reduced Administrative Costs: Automation reduces the time and cost associated with manual payment processing and reconciliation.

6. Versatility and Flexibility

• Multiple Payment Methods: Supports various card types, including credit, debit, and contactless payments.
• Seamless Integration: Easily integrates with existing POS systems and QuickBooks, providing a streamlined payment process.

7. Competitive Advantage

• Modern Payment Solutions: Offering real-time payments can attract tech-savvy customers and set the business apart from competitors.
• Enhanced Reputation: Providing cutting-edge payment solutions can enhance the merchant’s reputation and customer trust.

Example Implementation

1. Enroll in FedNow Service:
   • Merchant signs up on SecureQBPlugin.com and completes FedNow enrollment.
2. Integrate Real-Time Card POS:
   • Use SecureQBPlugin.com’s API to integrate with your POS system.
   • Ensure that the POS system supports real-time card processing.
3. Configure QuickBooks Integration:
   • Set up QuickBooks Online or QuickBooks Enterprise to automatically reconcile real-time card transactions.
   • Link the POS system with QuickBooks for seamless data transfer.
4. Enable Real-Time Card Payments:
   • Configure the POS system to offer real-time card payment options at checkout.
   • Train staff to handle real-time card transactions efficiently.
5. Monitor and Reconcile Payments:
   • Use SecureQBPlugin.com dashboard for real-time notifications and payment tracking.
   • Automatically reconcile payments in QuickBooks.
6. Ensure Security:
   • Implement data encryption for all transactions.
   • Ensure compliance with financial regulations.
7. Support and Communication:
   • Provide detailed instructions and support for customers.
   • Set up automated notifications for payment confirmations.

Conclusion

By integrating Real-Time Card POS with QuickBooks Online and QuickBooks Enterprise through SecureQBPlugin.com, merchants and payees can enjoy numerous benefits. These include improved cash flow, enhanced security, better customer satisfaction, and significant cost savings. This modern payment solution provides a competitive edge and supports efficient financial management.

Tired of waiting for ACH to clear? Still paying 3% in credit card fees?

Step into the future with the Real-Time Card from TodayPayments.com. Accept or send RTP® and FedNow® transactions that settle in seconds—with no chargebacks and full integration into QuickBooks® QBO.

✅ Issue real-time payment credentials
✅ Accept Good Funds with every swipe
✅ Use hosted RfP™ links and ISO 20022 batch uploads
✅ Available 24/7, even on weekends
✅ No hardware, no hassle—just real-time revenue

👉 Visit TodayPayments.com to activate your Real-Time Card solution today.
Pay Faster. Settle Instantly. Eliminate Uncertainty.